A small business owner contributes $3,000 at the end of each quarter to a retirement account that earns 10% compounded quarterly. (a) How long will it be until the account is worth $150,000? (b) Suppose when the account reaches $150,000, the business owner increases the contributions to $5,000 at the end of each quarter. What will the total value of the account be after 15 more years?

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